Call reports 2015
WOODSBORO BANK — 2015
What WOODSBORO BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 232,878,000 | 232,435,000 | 229,878,000 | 239,044,000 |
| Total loans | 151,282,000 | 152,109,000 | 155,822,000 | 151,026,000 |
| Allowance for loan losses | 2,557,000 | 2,443,000 | 2,286,000 | 2,287,000 |
| Securities available for sale | 52,477,000 | 55,000,000 | 52,983,000 | 50,215,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,973,000 | 201,534,000 | 198,558,000 | 208,019,000 |
| Interest-bearing deposits | 136,270,000 | 136,921,000 | 133,535,000 | 137,389,000 |
| Noninterest-bearing deposits | 65,703,000 | 64,613,000 | 65,023,000 | 70,630,000 |
| Equity capital | 20,396,000 | 20,402,000 | 20,755,000 | 20,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,032,000 | 4,202,000 | 6,277,000 | 8,375,000 |
| Interest expense | 253,000 | 489,000 | 719,000 | 941,000 |
| Net interest income | 1,779,000 | 3,713,000 | 5,558,000 | 7,434,000 |
| Noninterest income | 327,000 | 704,000 | 1,090,000 | 1,438,000 |
| Noninterest expense | 1,880,000 | 3,742,000 | 5,716,000 | 7,868,000 |
| Provision for loan losses | 57,000 | 100,000 | 150,000 | 140,000 |
| Pretax income | 169,000 | 576,000 | 783,000 | 867,000 |
| Income tax | 11,000 | 148,000 | 188,000 | 186,000 |
| Net income | 158,000 | 428,000 | 595,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,343,000 | 19,118,000 | 19,223,000 | 19,316,000 |
| Total capital | 21,295,000 | 21,092,000 | 21,217,000 | 21,245,000 |
| Risk-weighted assets | 155,553,000 | 156,940,000 | 158,735,000 | 153,440,000 |